The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$34,701
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,781
−HK$1,096/mo
Today · 4.125%
HK$36,877
baseline
▲ 0.50% · 4.625%
HK$39,121
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,754/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,605
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,640
−HK$1,050/mo
Today · 4.125%
HK$40,690
baseline
▲ 0.50% · 4.625%
HK$42,835
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,380/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,641
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,937
−HK$1,316/mo
Today · 4.125%
HK$44,253
baseline
▲ 0.50% · 4.625%
HK$46,945
+HK$2,692/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,506/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,326
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,568
−HK$1,260/mo
Today · 4.125%
HK$48,828
baseline
▲ 0.50% · 4.625%
HK$51,402
+HK$2,574/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,656/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,582
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,093
−HK$1,535/mo
Today · 4.125%
HK$51,628
baseline
▲ 0.50% · 4.625%
HK$54,770
+HK$3,142/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$103,256/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,047
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,496
−HK$1,471/mo
Today · 4.125%
HK$56,967
baseline
▲ 0.50% · 4.625%
HK$59,969
+HK$3,002/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$113,934/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,462
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,405
−HK$1,974/mo
Today · 4.125%
HK$66,379
baseline
▲ 0.50% · 4.625%
HK$70,418
+HK$4,039/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,758/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,489
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,352
−HK$1,891/mo
Today · 4.125%
HK$73,243
baseline
▲ 0.50% · 4.625%
HK$77,103
+HK$3,860/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,486/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,680 · Scale 2, in force from 26 Feb 2026)